Vermilion Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vermilion Valley Bank of Piper City, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.06% | 1.34% | +0.72% | 87th top |
| ROAE Behind the peer average, ahead of the median peer. | 13.17% | 13.31% | -0.14% | 55th above |
| Net Interest Margin | 3.71% | 3.93% | -0.22% | 37th below |
| Efficiency Ratio | 34.80% | 61.14% | -26.34% | 98th top |
| PPNR / Avg Assets | 2.13% | 1.68% | +0.45% | 77th top |
| Yield on Earning Assets | 4.98% | 5.67% | -0.69% | 23rd bottom |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.11% | 3.32% | -0.21% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 85th top |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 36th below |
| ACL / NPLs (Coverage) | 17828.57% | 1535.25% | +16293.32% | — |
| Texas Ratio | 0.46% | 7.33% | -6.87% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.59% | 19.50% | +7.09% | 90th top |
| Tier 1 Ratio | 26.59% | 19.53% | +7.06% | 90th top |
| Total Capital Ratio | 27.61% | 20.62% | +6.99% | 90th top |
| Leverage Ratio | 16.70% | 12.14% | +4.56% | 92nd top |
| Equity / Assets | 15.70% | 11.37% | +4.33% | 90th top |
| TCE / Tangible Assets | 15.39% | 11.09% | +4.30% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.82% | 80.64% | -8.82% | 68th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.46% | 86.86% | +0.60% | 41st below |
| Wholesale Funding Ratio | 2.88% | 5.03% | -2.15% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.13% | 6.85% | +3.28% | 83rd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.71% | 7.90% | -1.19% | 58th above |
| Deposit Growth (Y/Y) | 9.76% | 6.29% | +3.47% | 82nd top |
See Vermilion Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vermilion Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Vermilion Valley Bank profile, how to read a UBPR, or how this data updates.